How much do homeowners pay a month in Horse Cave, KY?
Homeowners with a mortgage in Horse Cave, KY pay a median of $842 (±$117) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $346 (±$61).
54.1% of owned homes carry a mortgage.
In Horse Cave, the median monthly cost with a mortgage went from $797 in 2015–2019 to $842 in 2020–2024 (+5.6%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Figures last updated on .
- With a mortgage
- $842 (±$117)
- Without a mortgage
- $346 (±$61)
- Owned with a mortgage
- 54.1%
Monthly owner costs in Horse Cave
| Horse Cave | Hart County | Kentucky | United States | |
|---|---|---|---|---|
| With a mortgage | $842 (±$117) | $1,140 (±$84) | $1,433 (±$7) | $1,963 |
| Without a mortgage | $346 (±$61) | $395 (±$28) | $469 (±$3) | $638 |
| Owned homes with a mortgage | 54.1% (±10.9 points) | 50.3% (±4.8 points) | 56.1% (±0.3 points) | 60.6% |
| Median real estate taxes (a year) | $840 (±$216) | $965 (±$69) | $1,544 (±$10) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Horse Cave, the median cost with a mortgage is lower than in Hart County ($1,140).
It is also lower than in Kentucky ($1,433).
It is lower than the national figure ($1,963).
In Hart County, Horse Cave ranks 3 of 3 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 410 of 430.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Horse Cave have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $797 (±$123) | $842 (±$117) | +5.6% | No measurable change after inflation |
| Median real estate taxes | $703 (±$202) | $840 (±$216) | +19.5% | No measurable change after inflation |
| Median home value | $82,900 (±$8,983) | $113,700 (±$41,897) | +37.2% | No measurable change after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Horse Cave
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Horse Cave | — | $842 (±$117) | — |
| Cave City | 3.3 mi | $949 (±$45) | Not measurably different |
| Munfordville | 7.6 mi | $1,018 (±$138) | Not measurably different |
| Park City | 8.9 mi | $1,161 (±$197) | Higher |
| Glasgow | 11 mi | $1,223 (±$145) | Higher |
| Bonnieville | 14 mi | $1,033 (±$212) | Not measurably different |
| Smiths Grove | 18 mi | $986 (±$220) | Not measurably different |
| Brownsville | 19 mi | $921 (±$296) | Not measurably different |
| Upton | 20 mi | $1,316 (±$132) | Higher |
Nearby places with a measurably higher figure: Park City, KY ($1,161), Glasgow, KY ($1,223), Upton, KY ($1,316).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Hart County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 1 | Bonnieville | $1,033 (±$212) |
| 2 | Munfordville | $1,018 (±$138) |
| 3 | Horse Cave | $842 (±$117) |
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
What you can do on Seayora in Horse Cave
One account for renting, owning, managing and fixing homes, with these figures beside you.
Own or manage a rental?
List it, sign the lease and collect rent online, with the figures for Horse Cave beside you.
Create a landlord account · See what landlords get
Looking for a place to rent?
Browse homes for rent near Horse Cave, save the ones you like and apply online.
Browse rentals · Create a renter account
Do repairs, renovations or maintenance?
Get found by owners and renters near Horse Cave, and send estimates and invoices from your phone.
Questions about Horse Cave
What is the average mortgage payment in Horse Cave?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Horse Cave, KY is $842 (±$117) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Horse Cave?
Owners without a mortgage in Horse Cave pay a median of $346 (±$61) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Horse Cave gone up?
In Horse Cave, the median monthly cost with a mortgage went from $797 in 2015–2019 to $842 in 2020–2024 (+5.6%).
Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Horse Cave city, Kentucky
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Horse Cave city, Kentucky
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Horse Cave city, Kentucky
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Horse Cave city, Kentucky
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Horse Cave city, Kentucky
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Horse Cave city, Kentucky (place:38008, in state:21).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Horse Cave at a glance
- Median rent in Horse Cave
- Rent by bedrooms in Horse Cave
- Rent burden in Horse Cave
- Renters and owners in Horse Cave
- Income and affordability in Horse Cave
- Home values in Horse Cave
- Property taxes in Horse Cave
- Types of homes in Horse Cave
- Bedrooms in Horse Cave
- Age of homes in Horse Cave
- Heating fuel in Horse Cave
- Commute and cars in Horse Cave
- Crime reported to police in Horse Cave
- Population growth in Horse Cave
- How long people stay in Horse Cave
- Kentucky landlord and tenant rules
- Housing across Hart County
- Housing data for every place in Kentucky